I have my wood stocks professionally cut by a gunsmith. Its worth it.
Shortening the stock a couple inches or so was my first thought too, since it sounds like the gun is a good shooter, and why take a loss selling it, to get a shorter gun, if you dont have too, especially when you may end up with one that doesnt shoot as well, or you dont like? I have a Win Model 70 XTR in 30-06 that my dad bought in the early 80's. Before I got it, he had cut a couple inches off the butt, and re-attached the stock buttpad. You'd never know anything was done just looking at it, and it fits me great. I'm 5'5", 145lbs myself. I just know that it wouldnt have been as nice for me if he hadnt taken some off the end like that, because I have bony shoulders/chest, so I put a slip-on recoil pad on it if I'm going to be shotting more than a few shots, and that adds back exactly what he took off, and while the recoil is much better, it just doesnt fit me right. So, I need to take the same amount off again so it will be good with the pad on it.
Just my non-expert opinion.It may be something else about it besides the stock length/LOP that just doesnt work for you when it's not benched.I just know, that a few inches shorter works great for me, as does a recoil pad, so combining the 2
could make all the difference in the world, and cutting the stock is free, and the slip-on pad is like $10 tops. Hard to beat.Likely to be cheaper than selling the gun to buy a new one 9or maybe not, I guess it depends on wha tyour Mossberg would sell for, VS the gun you replace it with)